According to the law, the term adjustment may appear in varied contexts, as a synonym for terms with unrelated definitions: Adjust:[1] Staff Adjuster- a staff adjuster works for one insurance company, typically in their internal claim's department.
A staff adjuster is not always required to be licensed by the State Department of Insurance in the state they are working as the insurer typically holds a license with the state department of insurance which allows the insurer to regulate their own staff adjusters.
Independent Adjuster- an independent adjuster works for many insurance companies, typically on a contractual at need basis.
An independent adjuster may represent the interest of multiple insurance companies at the same time.
During emergency situations, especially when the Governor of a State or the Present of the United States declares a state of emergency, independent adjusters are typically granted temporary licenses to assist insurers in handling an influx of claims.